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NSO malpractice insurance for Nurses.

You've built a career helping patients, your colleagues and community. Yet all that hard work could be at risk if you're ever involved in a malpractice suit, even if you have coverage from your employer.

Get affordable NSO nurse malpractice insurance made just for you.

Policy features:

Professional Liability Coverage

Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident.
Covers you, up to $6 million annual aggregate, for all covered claims in the policy period.

Sexual Misconduct/Abuse – up to $25,000 annual aggregate

Insures you, up to the applicable limit of liability, for amounts you’re legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services.

Information Privacy Coverage (HIPAA) – up to $25,000 annual aggregate

This coverage reimburses you for costs to notify patients of a violation of confidential personal information in compliance with privacy protection laws. It also covers HIPAA fines and penalties that you become legally obligated to pay as a result of a covered proceeding.

Defense Attorney Provided

With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Legal fees will be paid for covered claims, in addition to your liability limits—WIN OR LOSE.

24/7 Coverage – During the policy period, coverage is in force 24/7

Coverage is available for incidents that occur on the job and after hours as well. Your insurance remains in force even if you change jobs or during a period of unemployment.

Worldwide Coverage

Helps insure you anywhere in the world provided a claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.

Portable Coverage - Take it with you

A professional liability insurance policy through NSO is portable, so you can take it with you wherever you go. Whether you have a second job, volunteer, move, or change jobs, your policy is there to help insure you.

Cosmetic Procedures Coverage

You can extend your professional liability insurance to include coverage for non-surgical aesthetic procedures, including dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, Botox, and more. For more information on rates and details, please click here or call 1-888-273-4686.

Personal Liability Coverage – up to $1 million annual aggregate

Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work.

Defendant Expense Beneﬁt – up to $25,000 annual aggregate, up to $1,000 per day

Reimburses you up to the applicable limit for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim.

License Protection – up to $25,000 annual aggregate

Reimburses you up to the applicable limit for your defense of disciplinary charges and other covered expenses arising out of a covered incident if a complaint is brought against you before a state licensing board.

Personal Injury Coverage

Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged offenses committed in the performance of your professional services.

Medical Payments – up to $25,000 per person, up to $100,000 annual aggregate

Pays up to the applicable limit for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.

Assault Coverage – up to $25,000 annual aggregate

Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage provides reimbursement up to the applicable limit for your covered medical expenses or damage to your property. (Not available in Texas.)

Damage to Property of Others – up to $10,000 annual aggregate

Provides coverage up to the applicable limit for unintentional damage you cause to someone else's property while at your personal residence or your workplace.

First Aid Expenses – up to $10,000 annual aggregate

Reimburses you for expenses you incur while rendering first aid to another person. For example, this could include supplies from your personal first aid kit that you used to help a victim of an automobile accident.

Deposition Representation – up to $10,000 annual aggregate

A patient or client is injured at the facility where you work. You’re not named in the lawsuit, but you receive a subpoena for testimony during the policy period. Your coverage through NSO will pay for attorney’s fees of an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services.

Coverage for educational and consulting activities

By adding the Consulting Services Liability Endorsement to your professional liability policy, you'll be covered for lawsuits resulting from advice, testimony or consulting you provide as a licensed nursing professional.
To learn more, click here.

Ready?

Frequently Asked Questions

You have questions. We have answers. (It's why we're here.)

Does having my own policy make me a more likely target for a lawsuit?

No. When a patient is injured, most attorneys will name everyone who was involved in the patients' care in the lawsuit, whether you have your own coverage or not. And no one knows, not even the patient's lawyer, that you have your own professional liability insurance.

Professional liability insurance safeguards you against allegations of malpractice. While your employer may provide coverage for you, it may not be enough to cover you in all cases. Your employer's policy is designed to preserve the employers' needs and interests first.

I just changed jobs. Will I have to pay more for my liability insurance?

Changing jobs alone will not affect your premium. For instance, if you took a nursing position in a nursing home after a similar job in a hospital, your rate wouldn't change. However, if you move from being an employee to an independent contractor, that may affect your premium.